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	<title>NC FHA Expert &#187; FHA LOANS</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Mon, 21 May 2012 13:58:59 +0000</lastBuildDate>
	<language>en</language>
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		<title>Rebate Commissions From The Agent</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/rebate-commissions-from-the-agent/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/rebate-commissions-from-the-agent/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 19:30:50 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[downpayment gift]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[mortgages cary]]></category>
		<category><![CDATA[rebate commissions]]></category>
		<category><![CDATA[usda home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=86</guid>
		<description><![CDATA[There&#8217;s been some discussion about Agents rebating commissions back to the buyer&#8230; we see ads everyday for a Agent that will refund part of their Commissions back to the Buyer at Closing. What I want to discuss is once you&#8217;ve determined you want to work with an agent who is going rebate part of their [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Pros and Cons of First Time Home Buyer Programs</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/the-pros-and-cons-of-1st-time-homebuyer-programs/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/the-pros-and-cons-of-1st-time-homebuyer-programs/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 15:02:56 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[home loan rates raleigh]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[mortgages apex]]></category>
		<category><![CDATA[raleigh mortgages]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=29</guid>
		<description><![CDATA[Given these restrictions, many homebuyers prefer using a "plain-vanilla" FHA mortgage.  If you qualify for this program,  you probably won’t see an advantage to the subsidized first time home buyer loan because of the re-capature costs and penalties they impose when you sell your home.

FHA does NOT charge a re-capture penalty like some "true" First Time Home Buyer Programs do!]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/the-pros-and-cons-of-1st-time-homebuyer-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Things NC First Time Home Buyers Should Know!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/5-things-first-time-home-buyers-should-know/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/5-things-first-time-home-buyers-should-know/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 10:42:11 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[$8000 tax credit]]></category>
		<category><![CDATA[best mortgage rates cary]]></category>
		<category><![CDATA[Down payment Assistance]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[nc housing finance agency]]></category>
		<category><![CDATA[ncfha]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[va home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=336</guid>
		<description><![CDATA[In February of 2012 &#8211; the newest part of the Government&#8217;s program to help people buy a house is in place!  If you are ready to move out on your own, and Kiss Your Landlord Good-bye&#8230;  CONGRATULATIONS!  We offer first time homebuyer programs from NC Housing Finance Agency.  The NCHFA program allows you to purchase [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Underwriting Guidelines for NC</title>
		<link>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 22:57:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[credit score requirements]]></category>
		<category><![CDATA[fha condo guidelines]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha pmi]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[maximum fha loan limit]]></category>
		<category><![CDATA[nchfa]]></category>
		<category><![CDATA[non occupying co borrower]]></category>
		<category><![CDATA[underwriting guidelines fha]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1847</guid>
		<description><![CDATA[We talk to people everyday who have questions about qualifying for a FHA Mortgage Loan in NC.  FHA Underwriting Guidelines, are actually pretty straightforward.  Unlike qualifying for a VA Mortgage loan (where you must be a qualifying Veteran) or a USDA Home Loan (that requires that you meet income limits for your county and the [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-underwriting-guidelines-for-nc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Guidelines to Qualify &#8220;Rent to Own&#8221; in NC</title>
		<link>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/#comments</comments>
		<pubDate>Thu, 05 May 2011 17:57:35 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[foreclosed property]]></category>
		<category><![CDATA[rent to own]]></category>
		<category><![CDATA[Short Sales]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1166</guid>
		<description><![CDATA[Rent-to-own agreements and or sales that take place between a tenant and landlord have special FHA Guidelines. Often times, when someone moves to our area with a short sale, or previous forced foreclosure in their past &#8211; they will rent a home here until their &#8220;waiting period&#8221; is over. If you are in this situation, [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-guidelines-to-qualify-rent-to-own-in-nc/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>USDA Home Loans and Deferred Student Payments</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/#comments</comments>
		<pubDate>Sun, 13 Mar 2011 17:52:44 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[deferred student loans]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[USDA Mortgage Loans]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1241</guid>
		<description><![CDATA[People are moving to the Raleigh / Cary Metro area to go to one of the more than 20 Universities and Colleges we have in the area&#8230; and after graduation, they often stay in the Triangle because we have jobs.  As folks are ready to put down roots and buy a home in Raleigh, they [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/usda-loans/usda-home-loans-and-deferred-student-payments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA PMI Changes 4/18/2011 &#8211; Again</title>
		<link>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/</link>
		<comments>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/#comments</comments>
		<pubDate>Wed, 16 Feb 2011 20:49:57 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mip]]></category>
		<category><![CDATA[fha mortgage insurance]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha mortgage loans cary]]></category>
		<category><![CDATA[fha pmi]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1222</guid>
		<description><![CDATA[On February 27, 2012, FHA Announced that they will change the FHA PMI rates, again, on April 2012.  The rates listed below will be in effect until the end of March, 2012. There are currently two types of Mortgage Insurance or PMI associated with every FHA loan we make. Up Front Mortgage Insurance Premium (sometimes [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-pmi-changes-4182011-again/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>FHA Guidelines About Using Rental Income in NC</title>
		<link>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/</link>
		<comments>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/#comments</comments>
		<pubDate>Wed, 08 Dec 2010 21:53:30 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha guidelines]]></category>
		<category><![CDATA[fha guidelines rental ncome]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[fha new job]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[fha rental income]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1154</guid>
		<description><![CDATA[If you are moving to North Carolina, and you are going to rent your current home, there are a couple of things you should know about qualifying for an FHA Mortgage Loan for your new house. If you qualify for both payments &#8211; then it&#8217;s a pretty easy deal. If you need to count some [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-guidelines-about-using-rental-income-in-nc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA and VA Mortgage Loan Guidelines Waiting Periods</title>
		<link>http://ncfhaexpert.com/fha/fha-and-va-mortgage-loan-guidelines-waiting-periods/</link>
		<comments>http://ncfhaexpert.com/fha/fha-and-va-mortgage-loan-guidelines-waiting-periods/#comments</comments>
		<pubDate>Mon, 25 Oct 2010 13:56:44 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[fha guidelines after bankruptcy]]></category>
		<category><![CDATA[fha guidelines after short sale]]></category>
		<category><![CDATA[FHA Guidelines waiting period]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[va guidelines short sale]]></category>
		<category><![CDATA[VA home loan]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[va mortgage loan guidelines waiting period]]></category>
		<category><![CDATA[va mortgage loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1140</guid>
		<description><![CDATA[If you&#8217;re like millions of American&#8217;s the last couple of years have been tough.  People who have lost their jobs, or their houses, or their business didn&#8217;t just wake up one morning and say, &#8220;Oh, instead of making my payments, I think I&#8217;ll take a trip to Belize!&#8221; They never imagined they would be one [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-and-va-mortgage-loan-guidelines-waiting-periods/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>FHA Adding Capital Fast Enough?</title>
		<link>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/</link>
		<comments>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/#comments</comments>
		<pubDate>Mon, 27 Sep 2010 19:03:16 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[fha mip]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[FHA Programs]]></category>
		<category><![CDATA[fha streamline refinance]]></category>
		<category><![CDATA[mip]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1107</guid>
		<description><![CDATA[David Stevens, the head of FHA answered questions last week about weather or not his agency would need a &#8220;Bailout&#8221; from taxpayers. FHA doesn&#8221;t make loans, but they insure them, and with so many people without jobs, and properties being foreclosed on&#8230; that insurance fund has been tapped into pretty hard. That&#8217;s one of the [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-adding-capital-fast-enough/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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